Date Received: 2021-03-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a late fees for paying my bill after XXXX XXXX on a due date! How is this legal and fair during a global pandemic!
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There have been many companies open under my name and I did not open the accounts
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have attempted to fix this issue with XXXX. Waiting for approximately 1hr on the phone to no avail.
Company Response:
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2021 I opened a checking account with TD Bank after I received a promotion in the mail from them. The account was opened with a {$500.00} deposit from another bank I currently use. After account opening, I registered online and downloaded the bank 's app to my mobile phone and tried logging and there was some problem and the app instructed to call them on the 800 number. I called to find out what the problem was and they just said I have to go into the branch to verify something but they could not tell me what needed verification -- I just have to go in person. I reminded the representative on the phone that we are still in the middle of a pandemic and this would qualify as something considered essential. Nevertheless, I took time off from work on XX/XX/2021 to visit the nearest branch and correct what the problem was and possibly use this account for its intended purpose. The representative in the branch told me that there is a fraud notification on my account -- when I asked why when I entered all of my information correctly online and my application and deposits were accepted yet he could not provide any answers he could only tell me that I can not access my account but I can request to close the account. Since opening I had made an additional deposit on XX/XX/2021 and now I need to use this money to pay for living expenses so I agreed and asked for the funds to be returned and please close the account. This was also a problem and he said that closing the account would also not be possible -- I have to wait for the bank to decide what to do and ONLY THEN I would be able to close the account. Now I am stuck without money, without a clue as to what caused a fraud designation, more importantly without the ability to pay bills at this time.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: As a patron of the TD Yard Card since XXXX, I have had an impeccable payment record. I called the company in the beginning of XX/XX/XXXX to determine the full payoff amount. The representative told me the pay off amount XXXX {$4400.00} XXXX. I wrote the check in the provided amount and mailed it. I have requested time and time again through the multiple disputes I have filed ( 2 with the company and the 3 credit reporting bureaus ) that they pull and review the recorded conversation. I mailed the check on XX/XX/XXXX, yet it was not posted to my account until XX/XX/XXXX, 4 days past due. I imagine there was a delay in mail delivery due to COVID and then another time delay from when the company received, opened and posted it to my account. However, none of these issues were known to me until XX/XX/XXXX when I received a mailed letter from Yard Card indicating that they have been unable to reach me via electronic correspondence. My email address was and still remains and I check my spam email everyday so I assume it was an issue with their internal mail delivery system. My mailing address is also still correct and I never received any paper notice until the letter dated XX/XX/XXXX. However, I had no reason to believe XXXX that my account was not paid in full back in XX/XX/XXXX and XXXX that I would not have received notice if I had a remaining balance on my account. Apparently, there was an unpaid balance of {$45.00} along with a late fee that created a trickle-down effect. I immediately paid it once I discovered I was not receiving correspondences from them for unknown reasons. It was never my intention to submit a late payment or to leave an unpaid balance. To date, Yard Card is the only late payment history on my credit report. Since realizing what happened, I have reached out to Yard Card on many occasions. I have submitted two formal written requests to request them to correct my account considering the extenuating circumstances. Within those times, I called Yard Card a total of 6+ times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to speak with someone regarding the situation and also find out the status of my disputes. One such time, they claimed to have never received it. Then after submitting it again, I followed up via phone to be informed that it was the wrong form. After mailing the " correct '' form on XX/XX/XXXX, they did not receive it until over a month later on XX/XX/XXXX. After filing these disputes, they have retro-added two more delinquent months on my credit report from the beginning of the year that were previously showing in good standing! I have also attempted disputing these issues online through all three credit reporting bureaus : XXXX, XXXX and XXXX. If I contact Yard Card, I am unable to ever speak with a Dispute Resolution Specialist who is directly related to these issues. All of this has been a mishap on behalf of Yard Card for which I am being penalized. Yard Card has shown no effort in trying to truly understand and resolve my case and correct the clear internal issues they have that is probably causing the same issues for many others like me.
Company Response:
State: LA
Zip: 70506
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Opened bank accounts using my name, ssn and address.
Company Response:
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I purchased a XXXX product and financed it with TD Retail Card Services. I electronically overpaid the balance by {$350.00}. I contacted their customer service for a refund of the overpayment and was advised that I must wait 16 days from the date of the last overpayment to get my money back. I spoke with a supervisor named XXXX who advised that the 16 day wait is " their policy ''. I don't understand how they can hold my overpayment for 16 days when the account is paid in full and I have requested a refund.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On the night of Friday, XXXX XXXX, Ive received an alert from XXXX XXXX that Ive received an hard inquiry on my credit score. When I proceeded to check on it, there was a notation that credit was opened at TDBank/Target for an unknown amount. Saturday morning XXXX XXXX, Ive contacted XXXX and TD Bank and yes, it was true. An alert was placed on my credit record as per XXXX Saturday I was contacted by Target Customer Services asking if I have opened a credit card from them? I told them that I did not and was told that the transaction was not approved anyways. They were alerted by TD Bank of what was happening. I have also contacted my bank to make them aware of what was happening. The person apparently had my correct Driver License number and my social security number but no email on file I was told by Target Customer Services.
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: TD BANK Never notified me of there investigation related to my checking account ending with XXXX. When the account was charge off no notice. I found out by XXXX a year and half ago. I don't agree with the debt. This doesn't extend or re age the account.
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Attn : Legal Department Dear Sir or Madam, 1. TD Bank NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with TD Bank NA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act XXXX FCRA XXXX, the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a XXXX Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days XXXX not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection XXXX a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection XXXX b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX
Company Response:
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A